Policy Reports Archive

Policy Reports Archive

CRI Policy Forum Report

2018 Policy Innovation Forum Report: Driving Change to Improve Retirement Outcomes

On June 19, 2018, the Georgetown University Center for Retirement Initiatives (CRI) convened an invitation-only one-day policy forum with approximately 100 senior industry leaders, policymakers, and stakeholders to examine some of the key challenges designing a retirement savings system focused on improving long-term outcomes to strengthen retirement security for millions of Americans. This report provides a comprehensive overview of the discussion held during this event, covering innovative ideas and proposals for addressing some of the challenges faced in closing the access gap, improving the design and performance of investments in retirement savings plans, and identifying ways to build and deliver more-effective and attractive lifetime income options.

Policy Report 18-01 | June 2018

The Evolution of Target Date Funds: Using Alternatives to Improve Retirement Plan Outcomes

This report highlights new analysis showing how target date funds (TDFs) can be modified to improve expected retirement income for individuals by between 11 and 17 percent with the inclusion of alternative assets.  Operational issues, such as liquidity, pricing, etc. can be easily addressed today, as demonstrated by the increased use of custom funds in DC plans.  Policymakers and plan sponsors should consider the inclusion of alternative assets classes in DC plans, specifically through target date structures.

Policy Report 17-02 | August 2017

Multiple Employer Plans (MEPs): An Overview of Legal, Regulatory and Plan Design Considerations for States

This report provides an overview of how ERISA and the Tax Code, as well as securities and other laws, would apply to a state-facilitated MEP and includes sample model legislation.

Policy Report 17-01 | January 2017

Public Retirement Plan Options for Private Sector Employees/ Employers: A CRI Report to the VT Public Retirement Study Committee

This report provides an overview of the retirement security challenges facing the nation and Vermont; outlines the range of plan design options for state-sponsored retirement programs for private sector employers and employees, including legal, regulatory, and plan design considerations; and reviews some early lessons learned from other states that are in various stages of implementing new programs.

Policy Report 14-01 | December 2014

State Initiatives: How Federal Laws Apply to Plan Design Features

As states contemplate ways to help expand the availability and effectiveness of private sector retirement savings options, they must understand how ERISA and other federal laws would apply to any new program for the private sector.